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Online Credit Card

As we all know that credit card is a type of payment card which is use to pay bill of trading and shopping.
Facilities of credit card depend upon limit, offer and its type. In modern era credit cards are important
and useful because it resolves plenty of transaction related issues and make online transaction secure and
reliable. If card holders use this plastic currency smartly then it's quite effective otherwise user may
face some serious financial trap or trouble.

Before you start use of your credit card, user must be aware about
all policies and condition of the particular card. Especially if you are new user of credit card you must ask
from responsible bank or financial organization to avoid any issues in future.
Credit card user must ask about transaction limits, fees, security features, Information about discount facility,
transaction charges, ATM cash withdrawal limit and other useful information
as per your need. In case of new policies always confirm it with card providing company.

In short, it can be said that the card holder has to be aware about all policies to avoid any financial trap.
Always keep monthly transaction records to make things transparent and reliable. After finalizing your choice,
user may easily apply online for credit card.

Advantage of Credit Cards

Apart from above described credit card advantages responsible organization or bank offers some amazing offers and
facility to customer. Some trending offers that customers are getting with their credit card are rewards points,
bonus points; cash back offers, maximum discount on transactions, gifts on shopping, some customers may get opportunity
in credit card renewable amount and many more.

Offers and facilities of credit cards depends upon types of credit card, some popular credit card categories are Business,
Secured credit cards, Rewards, general purpose cards and several other that provides secure transaction facility and Some
credit cards provider are associated with international payment gateways such as MasterCard, Visa, standard chartered and American Express.

Paying all due on time is the best way to earn and maintain a healthy credit history because in some case when card holder
will apply for a loan and if credit history is not so good then the loan will not be approved easily. Just because of poor
credit history respective bank may reject requests of the loan.

Apply for Credit Card Online

In case of poor bank credit history if customers credit card request is denied by respective
bank then customers can go for secure credit card. This type of card is issued against term
deposit by account holder and provide absolute guarantee of credit card but these credit
cards have some limitation in terms of availing facility and transaction limits. Some
popular cards of this category are Kotak Aqua Gold Card, Axis Bank Easy Card, SBI Advantage
Gold Card, ICICI Bank Instant Gold Card and many more.

If you are going to apply for credit card these make sure that you have complete information
about such as fee, renewable fee, terms and condition and other doubt that you have in your
mind. Above describe banks avails the facility of online application of required charg or
visa card. Sometimes a card providing bank or organization asks for hidden charges without
providing complete information about that fee or tax. Customer must complete all these
formalities before start using credit card.

As technology is making huge impact on not only in human lifestyle but it is also affecting
to the entire banking, financial, corporate and several other sectors. To eases the application
process to get credit card and online application is best solution of this problem. It is less
time consuming, convenient, secure and reliable than traditional System of entire processing.
One of the major benefits of online application is instant approval of credit card.

To apply online user need to follow steps outlined below:
A. Initially user needs to visit official website of bank where you want to apply for your credit card.
B. Fill the application form, always enter true information by following guideline of respective bank and submit application from.
C. After the completion of above specified process, bank will send confirmation SMS and email.

Offline Mode of Credit Card Application

Follow the below steps to avail Credit Cards offline
A. It is a common approach to apply for credit card.
B. It can be executed by visiting your nearest bank branch.
C. Now, applicant needs to ask about applicable form along with eligibility criteria regarding that you is going to apply.
D. Fill and submit application form along with required documents.
E. Another alternative regarding instant card approval is by contacting customer support team of respective bank.

Available Types of Credit Cards

Air Travel Card

Shopping Card

Cash Back Card

Reward Card

Feul Card

Prepaid Card

Information About Credit Card

In modern era, credit card is the best option to pay bills and perform other transaction without any complication.
Most service provider, dealer, shop owner will never ask for extra amount if you are paying amount through credit
card not in cash payment mode. If you are use credit card to pay your bill then respective bank will give some
additional benefits to you to make shopping experience much beneficial.

In case of cash withdrawal bank stops free credit period facility and will continue once remaining amount is paid
to the bank. This condition, works in case of big amount is paid by user through credit card than cash payment
option. Free credit period will work when user credit card to pay complete bill in certain time interval otherwise
he will not get this facility. Shop and pay smartly to avoid any financial complication and better transaction facility.

Credit Card Definition

Credit card is payment cards issued by authorize financial institution or bank that provides facility to its user
to perform various transactions with complete security and make payment facility easy.

As an aware and smart customer always follow and compare some main factors before applying for credit card. Some of them are:-

Joining And Annual Fees

User must collect information about joining and annual fees to avoid making card selection much easy.

Information Regarding Bonus And Reward Points

User must collect information about joining and annual fees to avoid making card selection much easy.

Information About Interest Rate

Card holder must know about current interest rate offered by respective banks on particular credit card.
Apart from interest rate user must know about free credit period facility and rollover facility.

Check Your Eligibility Against Respective Credit Card

This is one of the most important and mandatory step that every candidate who is looking to apply for a credit
card must follow and select the card as per your eligibility. If any financial institution tries to convince you
without any written proof, never go with their advice; always ask for written information and authentic records
to avoid any major financial trap. Always validate information and ensure that information that you have is accurate and authentic.

Credit Information Bureau India Limited - CIBIL

Credit Information Bureau (India) Limited (CIBIL) score play important role in acceptance
of credit card request and it also reflect your credit history. CIBIL score always calculate
in rage of 300 to 900, where 300 represent to lowest CIBIL score and 900 represent highest
CIBIL score. If your bank credit history is good then you will easily get your credit card.

Steps to Apply for a Credit Card from ApplyKaroo

Step 1 : Go to url https://www.applykaroo.com/credit-cards and following window will appear on screen.Step 2 : Enter name of your city, type of job and your monthly income and click on the search button.Step 3 : Then,as per user detail relevant credit card's list will appear on screen.Step 4 : Then, user can select the best credit card as per his interest and then click on the APPLY NOW button.

Air Travel Card

The air transport association and American airlines jointly launched this vital visa card for all frequent
travelers to make their trip economical as well as memorable for longer time.
Air Travel Credit Card avails
maximum number of travel related luxury along with some remarkable benefits to take things into different
level. They are designed for specifically to make trip even better and interesting.

In case of cash withdrawal bank stops free credit period facility and will continue once remaining amount is paid
to the bank. This condition, works in case of big amount is paid by user through credit card than cash payment
option. Free credit period will work when user credit card to pay complete bill in certain time interval otherwise
he will not get this facility. Shop and pay smartly to avoid any financial complication and better transaction facility.

Top Air Travel Cards In 2019

Axis Vistara Infinite Credit Card

Free business class flight ticket as a gesture of welcome gift

Earn 6 reward points on every spent of Rs.200 and 10 reward points on every spent of Rs.100 at the official Vistara website

Standard Chartered Yatra Platinum Credit Card

Get travel vouchers worth Rs.4000 as welcome gift on making transaction within 60 days of card issuance

Grab a host of discount and offer opportunity across dining, shopping, and more under Standard Chartered Good Life Programme

Earn 1% fuel surcharge waiver on minimum fuel purchase of Rs.500

Kotak Bank Royale Signature Credit Card

Earn up to 4X and 2X reward points on every spent of Rs.150 on special and other categories, respectively.

Get annual fuel surcharge waiver of up to Rs.3500, applicable on transaction between Rs.500 to Rs.3000

Get credit card loss liability cover of up to Rs.250000 against fraudulent usage up to 7 days pre-reporting

Complimentary airport lounge access in India

Citi PremierMiles Credit Card

Earn 10 miles for every spent of Rs.100 on airline transactions via Citi bank official website & redeem the miles points against hotel reservation and booking travel tickets from partnered airlines

Earn additional 10000 miles points on making minimum transaction of Rs.1000 within 60 days of card issuance

Contactless credit card to protect against any fraudulent and card cloning scams

Axis Bank My Wings Credit Card

Enjoy 15% discount on dining at partnered restaurants across India

Convert your purchases over Rs.2500 into easy monthly instalments

Enjoy complimentary access to airport lounges across India

Joining fee - Rs.1200

Prepaid Credit Card

It can be said that it is revolutionary step taken by banking and financial organization to transform the entire
payment system. One of the main reasons behind this is that people prefer online transaction rather than wasting
time in traditional payment system. These days balance transfer is one of the main tasks of this credit card.

Working process of this is quite similar to credit card where user needs to borrow credit from respective bank.
It consists of logo of visa and master card, security chip, magnetic stripe, unique card number along with highly
configured security chip. These things may become even more interesting if someone will look to utilize recently
launched interesting and best credit card deals and other respective offers.

Types of Prepaid Credit Card

A.Non Reloadable Credit Card

B.Open Looped

C.Semi Open Looped

D.Closed Loop

E.Reloadable

Credit Card Transaction Step

A.Authentication of User

B.Batching Process

C.Clearing And Settlement

D.Funding

E.Chargeback

Benefits of Prepaid Credit Card

A. User does not need to pay higher interest rate while paying any utility bill or any other vital transaction.
B. Any individual can easily pick the best one as per their requirement because; you do not need to maintain higher credit score, healthy bank balance and other specific criteria.
C. Like credit card, user does not need to wait for certain time to get their card. Respective companies instantly issue the card as per request of customer.
D. Tracking all transaction related activities is quite easy and these are quite secure to use.
E. Open looped prepaid card can be used to withdraw amount from ATMs.
F. Sometimes users will get special reward and cash back earning opportunity.
G. As per their interest, customer may easily pick customized one to get special privilege on respective field.
H. Instant approval is one of the credit card is one of the striking facility of these cards.

Top Prepaid Credit Cards In 2019

State Bank Smart Payout Card

Minimum of Rs.100 and maximum Rs.10000 can be loaded in the card.

Rs.10 per reload is charged.

No limit on the number of transactions until the balance on the card finishes.

Enjoy up to 3 add on cards.

Saral Money Prepaid Card

Joining fee - Rs.250 + GST

Minimum load limit of Rs.100 and maximum up to Rs.50000

Free cash withdrawal facility from any ICICI Bank ATM

No limit on the number of transactions.

Axis Bank Smart Pay Card

Daily cash withdrawal limit of Rs.20000

Daily point of sale transaction limit is set to Rs.50000

Applicants don't need a separate salary account to get the card.

Exciting deals and offers on the card.

State Bank Achiever Card

Minimum load limit of Rs.100 and maximum Rs.10000 can be loaded in the card.

No cash withdrawals are allowed on the card.

No restriction on the number of transactions at Point-of-Sale and online retailer purchases

Joining fee - Rs.100 + GST

HDFC Bank Forex-Plus

Available in 22 foreign currencies including USD, Euro and GBP

Contactless card for enhanced security and protection of the transactions

Protection against Foreign Exchange fluctuation.

Availability of backup card, so in case the primary card is lost, you can activate your backup card by simply logging to HDFC net banking.

Bank that Acquire Services

Sales Based Organization

Account of Merchant

Sometimes it refers to independent sales organization or acquiring bank. In most of the cases it goes with merchant that manage it.

Transaction Network

It refers to controller system that handles all queries and processing of transactions.

Association of Credit Card

They are responsible for handle all transaction based pact with merchant and mange services of renown service provider like visa, master, discover and several other.

Insurance Provider

All reputed organization or agency offers special privilege along with insurance facility for personal, vehicle, health, travel, home and other ones.

Affinity Partner

Universities, sports teams, major retailers, professional organization are the best example that utilizes the services of respective bank.

Credit Card Number

A valid cared card number is combination of several important fields along with specific message. It is also known
as primary account number or (PAN). User must know that these numbers abide by standard of ISO/IEC 7812 number system.
It is understood that credit card numbers are used while performing online transactions and other vital transactions.
These numbers contain the information about issuer identification number (IIN), i.e. 6 digit codes, identification
number of individual account along with checksum of single digit. The issuer identification number is known as bank
identification number (BIN).

Another thing that user must know that first digit of issuer identification number refers to the major industry identifier
and specify that where use of card will be mandatory and on the other hand total number of digit is 9 then next three digits
refers to country code as specified in ISO 3166-1.

Sr. No.

Card Issuer

Digit Criteria

Remarks

A.

Diners Club

14 Digits

Including enRoute, Blanche, International

B.

Master Card

16 Digits

-

C.

Visa and Visa Electron

13 Or 16 Digits

-

D.

Japan Credit Bureau (JCB)

15 or 16 Digits

-

E.

Discover

16 Digits

-

F.

Maestro

12 or 19 Digits

Multinational Debit Card

G.

American Express

15 Digits

-

H.

China UnionPay

16 Digits

Peoples Republic of China

I.

Solo

16, 18 Or 19 Digits

United Kingdom Debit Card

J.

Switch

16, 18 Or 19 Digits

United Kingdom Debit Card

K.

Laser

16 To 19 Digits

Ireland Debit Card

Major Parties Involved In Utilization

Consumer or Card Holder

The user uses this to perform all vital transaction while shopping online.

Bank That Issue Card

Reputed bank and financial organization avails this facility to ease all transaction related processing as per guideline of reserve bank of India.

Merchant

Under this category basically merchant and its service provider connect with each other regarding exchange of services.

Bank that Acquire Services

Entertainment Credit Card

Are you a night life lover? Do you love going clubs every weekend? Do you frequently visits fancy restaurants?
Or are you a die-hard fan of new film releases? Did you ever compromise your desires and sit back at home just
because of empty pockets?

If yes, then shoot your worries out because entertainment credit card is here packed with amazing rewards and
exciting bonuses."All work and no play make Jack a dull boy!" and it comes true in the modern day society
where everyone is rushing towards their life goals, not realizing that life is in the present moment.

Many of times, we compromise our desires to enjoy a club night or to dine at fancy restaurants, but, no more
keeping aside your desires just because it is a month-end or you are empty pockets. You can simply redeem the
reward points to book club or movie tickets or at partnered restaurants. So, set yourself free and live in the moment.

Earn 2X reward points on all international transactions & Enjoy up to 15% savings on dining bills at over 2500+ partnered restaurants across India

HDFC Platinum Times Card

Enjoy movie discounts of up to Rs.1800 via Bookmyshow in a year

Get fuel surcharge waiver and save up to Rs.1500 in a year

Earn 3 reward point and 10 reward points on every spent of Rs.100 on weekdays and weekends, respectively

Free Accidental Death Insurance cover of up to Rs.50 Lakhs on minimum 4 transactions per month

Travel Credit Card

Credit cards have been an inseparable part in modern day society. One cannot imagine meeting all their expenses
without having this small piece of plastic card in their pockets.

Why so?, This is because, appearing small in size, the credit cards are packed with lots of benefits,
convenience, and lots and lots of rewards. Yes, you read it right, rewards. While swiping your card, funds get debited
and rewards are credited to your account, in order to make your shopping experience more enchanting. Cardholders can
crave for more reward points while booking travel tickets because Travel credit cards come with additional reward points
on travelling expenses. Earned rewards can be redeemed against travel ticket booking, lounge access, special privilege
programs, and so on. Travel Credit Cards can be accessed globally, probably, with no additional fee and hidden charges. So, get your
travel card today and fly free.

Many of times, we compromise our desires to enjoy a club night or to dine at fancy restaurants, but, no more
keeping aside your desires just because it's a month-end or you are empty pockets. You can simply redeem the
reward points to book club or movie tickets or at partnered restaurants. So, set yourself free and live in the moment.

Rewards Credit Card

How would it be if you earn exciting reward points for every spend? Isn't it sounds great?

We all crave for rewards, bonuses, discounts, and lots of privileges and this is what reward
credit cards are packed with. So, no more window shopping and no more compromising your desires
because reward credit card is here to aid all your finances and can bridge the gap between
limited income and infinite expenses. You can earn exciting rewards for every spent and can
redeem the points against numerous options from reward redemption catalogue.

Not just the cardholders can earn rewards for every spent, but, they can also accelerate the
privileges on selected categories of spends. Though, special categories may differ from one
card to another, therefore, it is best to go through all card-related details and informations.
So, stop compromising and start craving.

Shopping Credit Card

Being a shopaholic is actually a great thing to get relieved of all worries and tensions, but,
many of times, being shopaholic itself gives birth to all worries and lack of confidence, especially
when you are running out of balance or you are at the month-end. But, a shopping credit card is every
shopaholic's best friend, making the most out of their shopping experience. Shopping card can be accessed
at over million merchant outlets globally.

Moreover, cardholders can earn exciting rewards every time they shop from the partnered brands. So,
even if you are running out of cash and desperately wants to buy a new dress for your friend/cousi's
wedding or for cracking an interview, no need of losing your confidence and slip into your personality's
best side. Apart from shopping, cardholders can enjoy a host of privileges on dining and travel as well.

Cash Back Credit Card

Cash back credit cards are packed with amazing cashback offers against spending across several categories.
Credit card reward programs come in so many varieties that it sometimes becomes difficult to choose the best
card for all your spending habits. However, while choosing the cash back credit card, it is important to look
for the shopping categories you prefer the most, so that you can get the most out of your shopping habits.

Basically, with Cash Back Credit Cards
, a particular percentage of the amount spent on the card will be returned
to you as cash back. Though, cash back rewards may differ on each categories from card to card. Thus, it is best
to choose the cash back credit card that comes with relatively high cash back offers.

Fuel Credit Card

Well, now or then, we all got admired with the enchanting road trips in movies and shows, but, rising fuel prices
bounds to fulfil our admires. Therefore, fuel credit card comes packed with amazing rewards on fuel expenses, so that,
you can enjoy long drives without feeling the pinch in your pockets. There are several fuel cards having tie-ups with
crude oil companies across the country and are offered by banks as co-branded cards.

Cardholders can earn rewards and cash back on fuel expenses. Choosing these cards might make fuel expenses slightly
cheaper than usual and you can earn reward points for your long drives truly unforgettable and worth your time. Cardholders
can get fuel surcharge waiver on every monthly cycle for pre-specified minimum purchase. Apart from fuel surcharge waiver,
cardholders can earn accelerated rewards while shopping acorss partnered brands.

Lifestyle Credit Card

Luxury is something that we all crave for, though priorities may vary in different categories. Be it dining at 5-star hotels,
having branded wardrobe, or preferring modern interior decor, luxury actually matters a lot in a modern day society. Lifestyle
credit cards come with a host of privileges to lead a luxurious life without leaving a hole in your pockets. Lifestyle cards
are packed with a lot of rewards and cash back offers.

Benefits of Lifestyle Credit Card-
Rewards: Who else doesn't love rewards? Everyone does and this is what this credit card is best known for. Cardholders can enjoy
amazing deals and discounts across different categories.
Dining And Grocery: Cardholders can enjoy additional privileges while shopping and dining at partnered brands.
Travel: Apart from rewards and dining & grocery, lifestyle credit card also gives special privileges to the cardholders to manage their travel expenses.

How To Maintain Debt To Income Ratio For Credit Cards?

In this fast-moving lifestyle, credit cards have become an inseparable part of our financial planning.
However, very few understand to keep a balance of their Debt-to-income (DTI) ratio. Many credit cardholders,
who believe themselves as good money managers, might get surprised after knowing their DTI ratio.

Debt-income ratio is the amount your monthly bills divided by your net monthly income. The ratio allows you to
determine the likelihood of timely credit repayments to avoid any penalty charges and negative markings on CIBIL
score. This is also a crucial factor considered for determining the credibility of an individual.

While reviewing loan applications, lenders compute the ratio of an applicant to determine their loan repayment ability.
43% is said to be standard ratio to qualify for a home loan, though the percentage might vary from lender to lender.
An individual is disqualified for a loan or credit, if not having good ratio.

Hence, even if they want tob buy a house in future or get a car financed, the ratio determines whether they are creditable
or not. So, be very careful while making your credit card spending and keep tracking your debt-to-income ratio for secured financial future.

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